The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
This can be confusing to people who think that, by buying a variable life insurance policy, they will receive both the accrued cash value and the term componentâs death benefit when they die. Instead, the cash value slowly replaces the term policy until it represents the entirety of your death benefit.